text:
{{search.results.count}} results {{searchFilter()}} {{searchQuery()}}
{{search.results.count}} results {{searchFilter()}} {{searchQuery()}}
Enter a search term such as "mobile analytics" or browse our content using the filters above.
That's not only a poor Scrabble score but we also couldn't find any results matching
Check your spelling or try broadening your search.
This service is currently undergoing maintenance.
Please try again later.
Small details can make a big difference to the user experience, saving users' time, making it easier for them to spend money, or just generally making it more enjoyable.
Some of these things are so widespread and expected now that you don't even notice them, such as postcode lookup tools on sites. They were not always there, and save you a lot of hassle.
So, inspired by sites like littlebigdetails, I've rounded up 15 examples of little UX touches I've come across myself, or have found via sites like Pinterest.
Some are obvious, some less so, and there is a general ecommerce slant to this list. Please suggest any examples you've seen lately...
When leaving a comment, if people get all shouty, or leave the caps lock on, it will convert the message into more civilised lower case.
If only all sites used this.
Lilly Pulitzer
Hovering over products in category and search results pages on Lilly Pulitzer reveals a rear view of the dresses.
Land's End
in the same vein, you can quickly view items on Land's End in different colours by moving the cursor over the one you want to see.
This is an incredibly handy piece of UX which has saved me loads of time over the past year or so.
A blend of urgency and social proof from Hotels.com. When viewing a hotel, various messages appear at the bottom right of the page to tell you that people are booking it right now.
This suggests it must be an decent hotel, as well as the fact that you'd better hurry up and book before it's too late.
Here, the Santander app recognises that I'm about to enter a numerical code, and gives me the phone-style keyboard, which makes life much easier.
The 'search when I move the map' option is great, allowing people to find an area, then pan out to find suitable accommodation without having to search from scratch.
The shopping cart icon is not only fun, but also gently nudges customers to add more things.
As I explored here in this article about the 'basket add', it provides confirmation that the customer has successfully added an item, while ensuring they make a conscious choice between heading to checkout or continuing to shop.
Simply Hike
Simply Hike has a delivery countdown near the call to action which serves as a useful piece of persuasion.
This is great. It saves that extra step of heading to click the link that's emailed to you, and neatly guards against robot registrations.
(example from Pete Bernado via UIdetails)
I like this. Most people may have a destination in mind, but other travellers may just have a week or two off that they want to use for a break.
This 'I just want to get away' button provides a useful method of navigation, though I think tablet should have this on the homepage.
Here's what the link leads to. A nice way to filter searches, and showing the number of matching results is a big help:
Twitter handily highlights the section of the text which exceeds the 140 character limit when you tweet.
Barnes & Noble
Autocomplete in site search is nothing new, though more sites could use it.
Here, it helps those who may not know the exact spelling of authors' names, and just generally saves times and ensures that results are more accurate, good for user and retailer alike.
Showing the most helpful positive and negative reviews helps the shopper make their mind up and saves them time going through all the reviews.
This skate shop has a threshold of $99 for free shipping, and advises customers on the cart page when they are close to this. Useful for increasing order values.
Comments (21)
Great post Graham! I'm stealing all these and adding them to our project plan... :)
Great post, although I don't understand the Podio one? You still have to go to your email and click a link to double-opt in?
Great post, little things can improve usability and increase conversion, congrats
Timer under Buy Now button is my favorite. I need to learn how to implement that.
@Graham, I like the alternative on-hover view, but I prefer a close up of the fabric/pattern. (TM Lewin do this)
The Santander feature could be improved, by giving me (just me) the option for a calculator style keypad, which is on normal keyboards, so I don't transpose the numbers (which is what I always do).
Why are they different?
@Stuart; and I thought all your ideas were original?!
Great post. I'm sure it took a good deal of time to put together. Thanks.
Great post Graham. Interesting to see so many small innovations which are actually defining great user experience.
Another amazing innovation I have seen in India is the website of a realty site called housing.com where they use Google maps to show ares and then use color code to show variation on different parameters like child friendly, etc.
Yeah great post. I don't agree with the Twitter one though. When I exceed the character limit the app I use gives me option for the message to be shortened or to post it as multiple tweets. I much prefer that.
A couple of these are relatively useful; a few others are really way too specific to industry and can only be used as inspiration for new ideas unless within the relevant industry.
The raping of user input is a huge UX no-no, though. Make it clear that caps lock is on, by all means (we've all typed a meaningful message before only to realise it would be taken not as intended due to an accidental caps lock incident), but by no means should an application actively change user input. It ends up Orwellian, policed to the point that people *can't* shout even when they desire to and feel it perfectly appropriate.
If one doesn't find an all-caps message ever to be appropriate, then it is the site owners responsibility to moderate the input or make a decision to block such input, but to take what someone has said and change it to what you would like it to be - or how you think it should be formated, or to make any change that isn't their own - is at best plagiarism.
Awesome post, I'm going to recycle some of these ideas! The Gmail one wins...
I think the gmail one is perhaps the most useful of all the UX examples mentioned here. I find it helps me on a daily basis when I'm firing off an email at breakneck speed and forgot to upload the attachment I've referred to in my text.
In constrast, I think the Flickr example of changing a users capitalised wording to lowercase is just social engineering - if someone wants to use caps then let them do that, EVEN THOUGH IT'S NOT ONLINE ETIQUETTE. It's not good UX but instead a "we know best" philosophy.
And while we're on the subject of good/bad UX. If I get the CAPTCHA code wrong on the comments for this site, the page is reloaded and I lose my comment that I've poured blood, sweat and tears into writing and crafting.
Now, that's BAD UX!
@SEO Strategist' - good SEO is text, and good UX is using text unless it's absolutely impossible.
@Andrew - personally, i don't see a problem with the Flickr example, as comments all in CAPS are just horrible.
It does allow you to add parts of the text in CAPs, as you did in your comment: http://i.imgur.com/93C2qbB.png
Apologies for the captcha - there's a new blog design coming very soon which will solve this issue.
Many tnx's Graham!
Good ideas for plugins :)
Ace article! Can't tell you how many times that gmail one has helped me out.
For the exact opposite, a post on website 'pet peeves' that make have a negative effect on user experience - http://www.mediademon.com/our-top-10-web-design-pet-peeves/
Great list, some lovely touches here.
It's a shame in a way that the Santander passcode is alphanumeric - could save a click or two ;)
@Nicole, good point about the passcode!
It's great to collect these examples so we can refer back to them when we need inspiration. I think the Hotels.com example is actually quite distracting. I use the site a lot and the popups show all the time. It tries to create a sense of urgency so you buy faster. I find the popups irritating...
Thanks for the post!
Some great tips - particularly like the "Auto-complete" function on Barnes & Noble. This will work well for our Q&A as we get multiple questions from users that have already been answered.
Regarding the form fill there's also some clever technology (other than postcode look-up) where as you start typing your address an Auto-complete box comes up which again saves time.
This product / hotel booked in the last 2-3 hours is also a great conversion tool. It gives a website a feel that it is used at great lengths by other users across the globe. Brilliant idea!
A good read overall.
Great list of little ideas to add to one's testing plan.
Great examples Graham, Topshop also have a similar feature to Lilly Pulitzer where you can see a different view when hovering, extremely useful.


text:
Meet the YouTube Millionaires
Turns out, you didn't need that Harvard education after all! According to Social Blade*, a site that tracks YouTube statistics, a laptop and regular trips to FAO Schwarz may be a wiser career investment than an Ivy League education -- and the potential mountains of student loan debt that come with it. Why? Because, according to recent data from that site, it is now possible to earn a multi-million-dollar annual salary by unwrapping toys on the internet. (Whether it's likely that you'll hit the big time, of course, is another story.)

subset: commoncrawl


text:
A representative for Justin Bieber has shut down reports the Baby hitmaker was kicked out of his French hotel room in Paris on Monday.
The 19 year old, who is in town for a string of concerts, was allegedly asked to leave the Hotel Le Meurice after local TV personality Jean-Marc Morandini wrote in a post on his blog, "Justin Bieber has just been kicked out of the Meurice Hotel in Paris. It was a decision taken by the management of the luxury hotel because of his attitude in the establishment, and because of the nuisance caused by the presence of his fans around the buildings."
However, the pop star's representative has now spoken out to set the record straight, explaining Bieber simply relocated to a neighboring hotel, where he would be offered more security to handle his throngs of devoted fans.
The rep tells UsMagazine.com, "Justin was not kicked out of the hotel. He decided to transfer to the Mandarin Oriental when there wasn't enough security at the hotel to control the crowds.
"There wasn't even an underground entrance for him at the other hotel and the security was too lax given the size of the crowds. Plus there was no garage. Very unsafe situation for Justin and the fans. Over 500 kids bombarded the hotel."
The teen sensation has endured a rough couple weeks – he was embroiled in a foul-mouthed clash with a photographer earlier this month and also hospitalized after collapsing on stage in London following breathing problems.
A representative for Justin Bieber has shut down reports the Baby hitmaker was kicked out of his French hotel room in Paris on Monday.


text:
SAN ANTONIO, TX --Officials say a school bus in San Antonio struck another bus and that one of the drivers is dead.
Steve Linscomb, a spokesman for the Judson school district, says the Monday morning accident happened outside a high school. He said about 80 students were on both buses combined but none are believed to be seriously hurt.
Linscomb says the driver of a bus from the San Antonio Independent School District died. He says it was not immediately clear whether the driver might have had a medical emergency before the crash.


text:
#10 Fiddlecreek Plaza
PO Box 277
New Melle 63365
Phone & Fax# (636) 398-6200
Contact us
Branch Hours
Monday - Tuesday Noon - 8:00 pm
Wednesday 9:00 am - Noon
Thursday 9:00 am - 8:00 pm
Saturday 9:00 am - Noon
Jennifer Jung - Branch Manager - email@example.com
The Boone's Trail branch is a cozy community branch with just enough of everything and quick access to the larger District collection. We opened in our current location in 2002. We have nearly 20,000 items in our collection and about 2300 sq ft in our homey branch. We offer regular programs for children and also a few for teens and adults. Stop in and get to know us! The staff at the Boone's Trail Branch prides themselves on getting to know each and every customer so they can provide the best possible service. They are all very knowledgeable about the library collection and can assist customers in finding information in library resources. I know that once you visit, you'll feel like the library is your home away from home.


text:
Fannie-Freddie Fate Rests in Courts
Shareholder Suits Challenge U.S.'s Profit-Taking Structure
Legal wrangling over who should keep the hundreds of billions of dollars in profits generated by Fannie Mae and Freddie Mac is heating up, and investors increasingly are betting the government will end up the loser.
Since last summer, the Treasury Department has faced a host of shareholder lawsuits over changes it made in 2012 to the terms of the bailout agreements with the mortgage-finance giants in 2008, when the government seized the firms as they neared collapse. The plaintiffs say that the Treasury wasn't authorized...


text:
Bing Local Basics
You run a local business, and you claimed your Google Local listing so searchers would see your website. That's a start, but with Bing and Yahoo together holding more than a quarter of the search market in the US, you're still leaving money on the table. Fortunately, you can easily get onto Bing Local by following a few simple steps.
Continue reading


text:
Bob Dylan Time Out Of Mind tab
This is kind of a newre record from Dylan ie 1997 but nevertheless its great. So anyway hope you like it and find it useful. (1) Love Sick Em I'm walking, D Em through streets that are dead D Em walking with you in my head D My feet are so tired B Am Am7 My brain is so wired Em And the clouds are weeping Did I, hear someone tell a lie Did I, hear someone's distant cry I spoke like a child You destroyed me with a smile while i was sleeping G A G A I'm sick of love*) Em That I'm in the thick of it G A G A This kind of love Em I'm so sick of it I see, I see lovers in the meadow I see, I see silhouettes in the window I watch them 'til they're gone and they leave me hangin' on to a shadow I'm sick of love I hear the clock tick this kind of love I'm lovesick Sometimes the silence can be like thunder Sometimes I wanna take to the road of plunder Could you ever be true? I think of you and I wonder I'm sick of love I wish I'd never met you I'm sick of love I'm tryin' to forget you Em D Just don't know what to do C B Em I'd give anything to be with you (2) Dirt Road Blues Capo 5th fret (I think without the capo the key is A) E Gonna walk down that dirt road 'Til someone lets me ride A E Gonna walk down that dirt road 'Til someone lets me ride B If I can't find my baby E I'm gonna run away and hide Well, I been pacing round the room, hoping maybe she come back pacing round the room, hoping maybe she come back Well, I been praying for salvation Laying round in a one-room country shack Gonna walk down that dirt road, until my eyes begin to bleed Gonna walk down that dirt road, until my eyes begin to bleed 'Til there's nothing left to see 'Til the chains have been shattered and I been freed But I'm looking at my shadow, I been watching the clouds up above looking at my shadow, watching the clouds up above Rolling through the rain and hail Looking for the sunny side of love Gonna walk down that dirt road 'til everything becomes the same Gonna walk down that dirt road 'til everything becomes the same I keep on walking 'til I hear her holler out my name (3) Standing In the Doorway Capo the 4th fret C /B Am C/g I'm walkin' through the summer nights C /B Am C/g the jukebox playing low C /B Am C/g yesterday everything was goin' too fast C /B Am C/g Today it's movin' too slowF Bb/f F Bb/f I got no place left to turn F Bb/f F F G I got nothin' left to burnC /b Am C/g Don't know if I saw you if I would kiss you or kill you C /B Am C/g It probably wouldn't matter to you anyhow F C G D You left me standing in the doorway cryin' F C I got nothin' to go back to now. The light in this place is so bad Makin' me sick in the head All the laughter is just makin' me sad The stars have turned cherry red I'm strummin' on my gay guitar Smokin' a cheap cigar The ghost of our old love has not gone away Don't look it like it will anytime soon You left me standin' in the doorway cryin' Under the midnight moon. Maybe they'll get me and maybe they won't But not tonight and it won't be here There are things I could say, but I don't I know the mercy of God must be near I been ridin a midnight train Got ice water in my veins I would be crazy if I took you back It would go up against every rule You left me standin' in the doorway cryin' Sufferin' like a fool. When the last rays of daylight go down Buddy you'll roll no more I can hear the church bells ringin' in the yard I wonder who they're ringin' for I know I can't win But my heart just won't give in Last night I danced with a stranger But she just reminded me you were the one You left me standin' in the doorway cryin' In the dark land of the sun. I eat when I'm hungry drink when I'm dry And live my life on the square And even if the flesh falls off of my face I know someone will be there to care It always means so much Even the softest touch I see nothing to be gained by any explanation There's no words that need to be said You left me standin' in the doorway cryin' Blues wrapped around my head. here the chords dylan used C 032010 C/b x22020 Am 002210 C/g 332010 F 133211 Bb/f 113331 G 320003 D x00232 (4) Million Miles Capo the 4th Again on this one Em You took a part of me that I really miss I keep asking myself how long it can go on like this A7 You told yourself a lie Em Thats alright mama I told myself one too B7 A7 Em I try to get closer but I'm still a million miles from you You took the silver, you took the gold You left me standing out in the cold People asked about you, I didn't tell them everything I knew Well I try to get closer but I'm still a million miles from you I'm driftin in and out of dreamless sleep Somehow my memory's in a ditch so deep Did so many things I never did intend to do And I try to get closer but I'm still a million miles from you I need your love so bad, turn your lamp down low *) I need every bit of it for the places that I go Sometimes I wonder, tell us just what its all coming to Well I try to get closer but I'm still a million miles from you ... Well I don't dare close my eyes and I don't dare wink Maybe in the next life I'll be able to hear myself think Feel like talking to somebody but I just don't know who Well I try to get closer but I'm still a million miles from you Yes the last thing you said before you hit the street Gonna find me a janitor to sweep me off my feet I said thats alright mamma you, you do what you gotta do Well I try to get closer I'm still a million miles from you Rock me pretty baby rock me all at once, Rock me for a little while Rock me for a couple of months And I'll rock you too I try to get closer but I'm still a million miles from you Well there's voices in the night trying to be heard I'm sitting here listening to every mind-pollutin' word I know plenty of people put me up for a day or two Yes I try to get closer but I'm still a million miles from you (5)Tryin' To Get To Heaven i got this tab from Eyolf Ostrem Capo the 3rd fret for this oneF/c G/b G(add9) F C6add9 F . . : . . . : . . . : . . . : . . .---------|-----------------|-----------------|-----------------|-----------------||------|---------|-0---------------|-------3-----1---|-1---------------|---------------3-||------|-2---0---|-0---------------|---2-2---2---2---|-0---------------|-------------2---||-2----|-3---0---|-0---------------|-------------3---|-2---------------|-------------2---||-3----|-3---2---|-2---------------|-------------3---|-3---------------|-------------3---||-3----|---------|-3---------------|-------------1---|-----------------|-------------0---||-1----|orF/c G/b G(add9) F C6add9 F . . : . . . : . . . : . . . : . . .---------|-----------------|-----------------|-----------------|-----------------||------|---------|-0---------------|-------------1---|-1---------------|-------------1---||-1----|-2---0---|-0---------------|-------------2---|-0---------------|-------------0---||-2----|-3---0---|-0---------------|-------0-----3---|-2---------------|-------------0-0-||-3----|-3---2---|-2---------------|---0-0---0---3---|-3---------------|-------------0---||-3----|---------|-3---------------|-------------1---|-----------------|-------------0---||-1----|F G F C The air is gettin' hotter, there's a rumblin' in the skies. F G I've been wadin' through the high muddy waters, F C But the heat riseth in my eyes. Am/F# F Everyday your memory goes dimmer, Dm C It doesn't haunt me like it did before. F G I've been walkin' through the middle of nowhere, F C Tryin' to get to heaven before they close the door. When I was in Missouri, they would not let me be. I had to leave there in a hurry, I only saw what they let me see. You broke a heart that loved you, Now you can seal up the book and not write anymore. I've been walkin' that lonesome valley, Tryin' to get to heaven before they close the door. People on the platforms, waitin' for the trains. I can hear their hearts a-beatin', like pendulum swingin' on chains. When you think that you've lost everything, You find out you can always lose a little more. I'm just going down the road feelin' bad, Tryin' to get to heaven before they close the door. I'm goin' down the river, down to New Orleans. They tell me everything is gonna be all right, But I don't know what all right even means. I was ridin' in a buggy with Miss Mary Jane, Miss Mary Jane got a house in Baltimore. I've been all around the world boys, I'm tryin' to get to heaven before they close the door. Gotta sleep down in the parlor, and relive my dreams. I close my eyes and I wonder, if everything is as hollow as it seems. Some trains don't pull no gamblers, No midnight ramblers like they did before. I've been to Sugartown, I shook the sugar down, Now I'm tryin' to get to heaven before they close the door (6) Till I fell In Love With You E Well my nerves are exploding And my body is tense I feel like the whole world got me pinned up against the fence A I been hit too hard Seen too much E Nothing can heal me now But your touch B I just don't know what I'm gonna do A E I was allright 'til I fell in love with you Well my house is on fire Burnin' to the sky Well I thought it would rain But the clouds passed by I feel like I'm comin' To the end of my way But I know God is my shield And he won't lead me astray Still I don't know what I'm gonna do I was allright 'til I fell in love with you Boys in the street Beginnin' to play Girls like birds Flyin' away When I'm gone You will remember my name I'm gonna win my way To wealth and fame Yet I just don't know what I'm gonna do I was allright 'til I fell in love with you Well junk's pilin' up Takin' up space My eyes feel Like they're fallin' off my face Sweat fallin' down I'm starin' at the floor I'm thinkin' about that girl Who won't be back no more I just don't know what to do I was allright 'til I fell in love with you Well I'm tired of talkin' I'm tired of tryin' to explain My attempts to please you They were all in vain Tomorrow night Before the sun goes down If I'm still among the livin' I'll be Dixie bound Still I just don't know what I'm gonna do I was allright 'til I fell in love with you (7) Not Dark Yet Capo 4 C F/c C Shadows are falling and I been here all day F/c C It's too hot to sleep and time is running away G G/F C/E C Feel like my soul has turned into steel Am C/g F C I've still got the scars that the sun didn't heal G G/F C/E C There's not even room enough to be anywhere Am C/g F C It's not dark yet, but it's getting there Well my sense of humanity is going down the drain Behind every beautiful thing, there's been some kind of pain She wrote me a letter and she wrote it so kind She put down in writin' what was in her mind I just don't see why I should even care It's not dark yet, but it's getting there Well I been to London and I been to gay Paris I followed the river and I got to the sea I've been down to the bottom of a world full of lies I ain't lookin for nothin' in anyone's eyes Sometimes my burden is more than I can bear It's not dark yet, but it's getting there I was born here and I'll die here, against my will*) I know it looks like I'm movin' but I'm standin' still Every nerve in my body is so vacant and numb I can't even remember what it was I came here to get away from Don't even hear the murmur of a prayer It's not dark yet, but it's getting there (8) Cold Irons Bound Capo 6 opinonal just thats how it is on the album Em7 I'm beginning to hear voices and there's no one around now I'm all used up and the fields have turned brown I went to church on Sunday and she passed by and my love for her is taking such a long time to die Bbdim A7 Em7 Lord I'm waist deep, waist deep in the mist Bbdim A7 Em7 It's almost like, almost like I don't exist A7 G Em7 I'm 20 miles out of town, Cold Irons bound The walls of pride is high and wide, can't see over to the other side It's such a sad thing to see beauty decay, it's sadder still to feel your heart torn away one look at you and I'm out of control like the universe has swallowed me whole I'm 20 miles out of town and Cold Irons bound There's too many people, too many to recall I thought some of 'em were friends of mine I was wrong about 'em all Well, the road is rocky and the hillside's mud Up over my head nothing but clouds of blood I found my world, I found my world in you but your love just hasn't proved true I'm 20 miles out of town, Cold Irons bound 20 miles out of town, Cold Irons bound Well the winds in Chicago have torn me to shreds reality has always had too many heads some things last longer than you think they will there are some kind of things you can never kill it's you and you only I'm thinking about but you can't see in, and it's hard looking out I'm 20 miles out of town, Cold Irons bound Well the fat's in the fire, and the water's in the tank and the whiskey's in the jar, and the money's in the bank I tried to love and protect you because I cared I'm gonna remember forever the joy we've shared but looking at you and I'm on my bended knee you have no idea what you do to me I'm 20 miles out of town Cold Irons bound 20 miles out of town, Cold Irons bound (9) Make me Feel My Love Capo 1 C G/b When the rain is blowing in your face Gm/Bb F/a and the whole world is on your case Fm/Ab C/g I could offer a warm embrace D9/f# G11 C to make you feel my love When evening shatters and the stars appear and there is no one there to dry your tears I could hold you for a million years to make you feel my love F C I know you haven't made your mind up yet C+ F C but I would never do you wrong F C I've known it from the moment that we met Dm G no doubt in my mind where you belong I'd go hungry, I'd go black and blue I'd go crawling down the avenue Oh there's nothing that I wouldn't do to make you feel my love The storms are raging on the rolling sea and on the highway of regret the winds of change are blowing wild and free you ain't seen nothing like me yet I could make you happy, make your dreams come true nothing that I wouldn't do go to the ends of the earth for you to make you feel my love (10) Cant wait Capo 4th Em I can't wait A Em Wait for you to change my mind It's late A Em I'm tryin to walk the line Well it's way past midnight And there's some people all around A Some on their way up Some on their way down Em A The air burns and I'm tryin to think straight C B7 Em And I don't know how much longer I can wait I'm your man I've tried to recover the sweet love that we knew You understand That my heart can't go on beating without you Well your loveliness has wounded me I'm reeling from the blow I wish I knew what it was that keeps me loving you so I'm breathin' hard standin' at the gate And I don't know how much longer I can wait Skies are gray I'm looking for anything that will bring a happy glow Night or day It doesn't matter where I go anymore I just go 1) If I ever saw you comin' I don't know what I might do I'd like to think I could control myself But it isn't true That's how it is When things disintegrate And I don't know how much longer I can wait A I'm doomed to love you Em I been rollin' through stormy weather A I'm thinkin' of you Bsus4 And all the places we could roam together Em It's mighty funny The end of time has just begun Oh honey, after all these years you're still the one Well I'm strollin' through the lonely graveyard of my mind I left my life with you Somewhere back there along the line I thought somehow that I would be spared this day I don't know how much longer I can wait version 2 Em I can't wait A Em Wait for you to change my mind It's late A Em I'm tryin to walk the line *) Well it's way past midnight And there's some people all around A Some on their way up Some on their way down Em A The air burns and I'm tryin to think straight C B7add11 Em And I don't know how much longer I can wait A I'm doomed to love you Em I been rollin' through stormy weather A I'm thinkin' of you Bsus4 And all the places we could roam together (11) Highlands E7 Well my heart's in The Highlands, gentle and fair Honeysuckle blooming in the wildwood air A E7 Bluebells blazing where the Aberdeen waters flow B7 Well my heart's in The Highlands A E7 I'm gonna go there when I feel good enough to go Windows were shaking all night in my dreams Everything was exactly the way that it seems Woke up this mornin' and I looked at the same old page Same old rat race, life in the same old cage I don't want nothin' from anyone, ain't that much to take Wouldn't know the difference between a real blonde and a fake Feel like a prisoner in a world of mystery I wish someone'd come and push back the clock for me Well my heart's in The Highlands wherever I roam That's where I'll be when I get called home The wind it whispers to the buckeyed trees in rhyme Well my heart's in The Highlands I can only get there one step at a time I'm listening to Neil Young, I gotta turn up the sound Someone's always yellin' "Turn it down" Feel like I'm driftin', driftin' from scene to scene I'm wonderin' what in the devil could it all possibly mean? Insanity is smashin' up against my soul You could say I was on anything but a roll If I had a conscience, well I just might blow my top What would I do with it anyway, maybe take it to the pawn shop My heart's in The Highlands at the break of dawn by the beautiful lake of the Black Swan Big white clouds like chariots that swing down low Well my heart's in The Highlands only place left to go I'm in Boston town in some restaurant I got no idea what I want or maybe I do but I'm just really not sure Waitress comes over, nobody in the place but me and her Well it must be a holiday, there's nobody around She studies me closely as I sit down She got a pretty face and long white shiny legs I said "Tell me what I want" She say "You probably want hard boiled eggs" I said "That's right, bring me some" She says "We ain't got any, you picked the wrong time to come" then she says "I know you're an artist, draw a picture of me" I said "I would if I could but I don't do sketches from memory" Well she's?? near she says "I'm right here in front of you or haven't you looked" I say "All right I know but I don't have my drawin' book" She gives me a napkin, she say "You can do it on that" I say "Yes I could but I don't know where my pencil is at" She pulls one out from behind her ear She says "Alright now go ahead draw me I'm stayin' right here" I make a few lines and I show it for her to see Well she takes the napkin and throws it back and says "That don't look a thing like me" I said "Oh kind miss, it most certainly does" She say "You must be joking", I said "I wish I was" She says "You don't read women authors do ya?" at least that's what I think I hear her say Well I say "How would you know, and what would it matter anyway" Well she says "Ya just don't seem like ya do", I said "You're way wrong" She says "Which ones have you read then?", I say "Read Erica Jong" She goes away for a minute, and I slide out, out of my chair I step outside back to the busy street, but nobody's goin' anywhere Well my heart's in The Highlands with the horses and hounds way up in the border country far from the towns with the twang of the arrow and the snap of the bow My heart's in The Highlands, can't see any other way to go Every day is the same thing, out the door feel further away than ever before Some things in life it just gets too late to learn Well I'm lost somewhere, I must have made a few bad turns I see people in the park, forgettin' their troubles and woes They're drinkin' and dancin', wearin' bright colored clothes All the young men with the young women lookin' so good Well I'd trade places with any of 'em, in a minute if I could I'm crossin' the street to get away from a mangy dog talkin' to myself in a monologue I think what I need might be a full length leather coat Somebody just asked me if I'm registered to vote The sun is beginnin' to shine on me But it's not like the sun that used to be The party's over and there's less and less to say I got new eyes, everything looks far away Well my heart's in The Highlands at the break of day over the hills and far away There's a way to get there, and I'll figure it out somehow Well I'm already there in my mind and that's good enough for now


text:
BS40 6EW Bristol, Great Britain
D B Gibbons (Construction) Ltd is a private company categorized underIndustrial Buildings and Warehouses and located in Bristol, United Kingdom. Companies like D B Gibbons (Construction) Ltd usually offer:
Industrial Real Estate For Lease, Industrial Property, Industrial Property For Sale, Industrial Property Sales and Light Industrial Real Estate.
Buildings construction company
Great Britain / England
Related products and services: Industrial Buildings And Warehouses, Commercial and Institutional Building Construction, Industrial buildings and warehouses in Bristol, Buildings construction company Hereford, Buildings construction company Meeting
Number of page views: 458


text:
TIGERVILLE, S.C. – North Greenville took a 3-1 decision over the King Lady Tornado volleyball team on Tuesday night. Mariah Herington led King with 10 kills while Grace Underwood had a day both at the net and on the attack.
Teams swapped a pair 25-16 victories behind strong hitting percentages and net play but North Greenville took the edge with back-to-back 25-21 set victories en route to the 3-1 decision, favoring the Crusaders.
Junior Mariah Herington (Jonesborough, Tenn.) registered a team-leading 10 kills for the second consecutive match and for the fifth time this season.
Grace Underwood had an all-around effective day both on the attack and defending the net. The freshman from Pearland, Texas went 7-for-16 (.312) offensively and had a combined three blocks (4 assists, 1 solo), contributing to King's total 7.5 as a team.
Freshman Olivia Underwood (Pearland, Texas) tallied 34 of the team's 35 total assists while adding two digs and one block assist.
In the Lady Tornado's lone set win, the team hit at a .280 clip. Conversely in their losses, they failed to break .100 on the attack.
The loss drops King to 13-12 overall and 7-5 in Conference Carolinas. They currently hold on to second place in the West Division with a half-game lead over Lees-McRae and a full game over North Greenville. The Lady Tornado will play Lees-McRae in Banner Elk, N.C. on Wednesday, Oct. 24 in their next bit of action.


text: Polaris Industries Inc. announced today that it has acquired the powersports division of Swissauto, which made it's fame making GP engines in the 1990's. The move according to Polaris will allow the company to strengthen its global and vehicle design capabilities, while also bolstering the company's European presence. Swissauto was founded in 1987 and in a short span of time won 29 races, 41 poles, and 3 World Championships with its two-stroke, V4, 500GP motor.


text:
Link Directory Genocide
In the wake of a lawsuit an online company named KinderStart filed against Google for dropping its placement in the search engine results pages (SERPs), one has to wonder just what these people are thinking; they're suing a now-giant corporate web presence like Google when, ultimately, it is not really Google's fault that the website has fallen off so drastically. One only has to search through the site in question to see that it is nothing more than a complex link directory.
Continue reading
Continue reading


text:
We often hear politicians tell their constituents that their voices can make a difference. At times, it seems an empty assurance. But it can happen.
Take for example when U.S. Rep. Jo Ann Emerson, R-Mo., defied conventional political wisdom to help open the Cuban market for the United States in 2000.
According to Emerson, speaking at the Conservation Tillage Cotton and Rice Conference in Tunica, the market to Cuba rose out of a discussion with Dexter, Mo., rice producer Sonny Martin in which Martin noted that Cuba at one time was the No. 1 export market for U.S. rice.
"I decided to go back and find out as much as I could about it," Emerson recalled. The following year, Emerson and a contingent of Mid-South rice producers visited Cuba and were successful in opening the market. Today, Cuba continues to purchase rice, poultry and other commodities from the United States.
"Low and behold, today, Sonny's dream is coming true," Emerson said. "It should show all of you that involvement with members of Congress and state legislators can make a difference. Sonny is a perfect example."
Challenges facing rural America run the gamut from education to health care, noted Emerson. But the most important point to get across to other Americans is "when the agricultural community is doing well, our grocery stores do well, our hardware stores and implement dealers do well. There is a ripple effect.
"Government has to give agriculture the best possible opportunities to be successful," she said. "There is nothing that infuriates me more than the St. Louis Post-Dispatch, The New York Times, all these liberal bastions, all of whom think we shouldn't be in Iraq and all of whom think that the bird and bunny people are the greatest thing since sliced bread.
"Then they beat up on you guys, saying we shouldn't be subsidizing our farmers, and giving them special deals.
"What they fail to realize is that the $100 billion that you contributed last year to the U.S. economy is a gigantic portion of our economy. It's the only part of the economy in which we have a trade surplus."
Free or fair trade has to begin with a level playing field, according to Emerson. "It seems to me when we have 12 percent tariffs versus 62 percent tariffs on average in other countries, then we don't have a very level playing field. The European Union subsidizes its farmers three times as much as we technically subsidize our farmers, and Japan subsidizes its farmers at 600 percent.
"It gets very frustrating to me to see what the newspapers say about agriculture, and they fail to see that you all are really driving our economy. This is a story that we want you to help us tell. It's very important to rural America and it's very important to our economic well being."
Emerson is hoping that a new energy bill "will provide a lot of incentives for agriculture to not only be used for alternative fuels but to give grants to producers to build an ethanol plant or a soy diesel plant.
"The problem is that we can't get anything through the Senate. It's very, very frustrating. It's our responsibility to do this for you and we have fallen down on the job. I'm hopeful when we go back to session that the Senate's constituents will have spoken to them about the importance of getting this done."
Those hoping to capitalize on the mad cow disease scare, according to Emerson, may mount new challenges. "I can assure you that in spite of the fact that the agriculture department has worked swiftly and has done a good job of isolating this problem, there are many of my colleagues in Congress who I suspect we will have some real fights over food labeling and mad cow disease."
In addition, "There are lot of cross pressures as we continue with the war in Iraq, rebuilding Iraq and the threat of terrorism here at home," Emerson added. "We want to make sure that we can provide a level of funding necessary to continue the farm bill as it exists in law today, that we don't have any changes to payment limitations, or any changes other than increased funding."
e-mail: [email protected]


text:
One of the principal NEC requirements for circuit protection is that you shut down the equipment rather than let supply conductors melt from overload. This can cause confusion, however, because Art. 695 seems to require just the opposite.
A fire pump supplies water to a facility's fire protection piping, which, in turn, supplies water to the sprinkler system and fire hoses. Obviously, it's vital to keep that supply of water flowing. The core principle of Art. 695 is the fire pump motor must run no matter what — because it exists solely to protect the facility and people who work there. So keeping that fire pump running is mandatory, regardless of the consequences to the pump or its circuits. Saving the fire pump or its conductors is a hollow victory if you lose personnel and/or the facility.
Art. 695 is "backward" from the rest of the NEC because it won't shut down equipment in the event of an overload. Yet, many of its requirements are obvious. For example, you have to install the fire pump wiring in a location that minimizes its exposure to fire. As you read through Art. 695, several requirements will jump out as being common sense. In addition to these NEC requirements, you will also find many requirements in other NFPA standards, such as NFPA 20 Standard for the Installation of Stationary Pumps for Fire Protection. These rules include the physical location of the fire pump, which must also be in a location that minimizes its exposure to fire.
Nevertheless, some requirements will initially seem wrong — until you go back to that core principle of "run no matter what." For example, the disconnect must be lockable in the closed position [695.4(B)(2)(2)]. You would expect a normal disconnect to be lockable in the open position — so you can de-energize the circuit and keep it that way. But fire pump disconnects are not normal. You lock them closed to prevent de-energization of the circuit.
Power sources [695.3]. You must supply power to fire pump motors from a reliable source that has the capacity to carry the locked-rotor current of the fire pump motor(s) and pressure maintenance pump motors. This source must also be capable of supplying the full-load current of any associated fire pump equipment. Reliable sources of power include single sources such as:
A separate electric utility service from a connection located ahead of (but not within) the service disconnecting means.
An on-site power supply, such as a generator. This can supply a fire pump only if it's located (and protected) to minimize damage by fire.
If a single source isn't adequate, you can use a combination of sources. The Authority Having Jurisdiction (AHJ) has final say as to what constitutes a reliable source of power.
You must also ensure power continuity, by protecting supply circuits from inadvertent disconnection [695.4]. To do this, you can use a direct connection or a supervised connection.
Direct connection. The supply conductors must directly connect the power source either to a listed fire pump controller or to a listed combination fire pump controller and power transfer switch [NFPA 20:220.127.116.11.2].
Supervised connection. You can install a single disconnecting means and associated overcurrent protective device(s) (OCPD) between a remote power source and one of the following:
A listed fire pump controller.
A listed fire pump power transfer switch.
A listed combination fire pump controller and power transfer switch.
Size the supply transformer for no less than 125% of the sum of the fire pump and pressure maintenance pump(s) motor loads, and 100% of the ampere rating of the accessory equipment [695.5].
Disconnects [695.4(B)]. The disconnecting means must:
Be identified as suitable for use as service equipment.
Be lockable in the closed position.
Not be located within equipment that feeds loads other than the fire pump.
Be located sufficiently remote from other building or other fire pump source disconnecting means.
Be marked "Fire Pump Disconnecting Means." The letters must be at least 1 inch in height and be visible without opening enclosure doors or covers.
Power wiring [695.6]. You must route the supply conductors outside buildings, where possible. In situations where that's not possible, encase them in 2 inches of concrete or brick [230.6(2)]. In either case, install these conductors as service entrance conductors per Art. 230 [695.6].
Fire pump supply conductors on the load side of the final disconnect [695.6(B)] must be independent of all other wiring. You can route them through a building only if using one of the methods specified in 695.6(B).
If conductors supply fire pump motors or accessory equipment, size them no less than 125% of the sum of the motor full-load current as listed in Table 430.248 (or 430.250) plus 100% of the ampere rating of the accessory equipment [695.6(C)].
Conductors supplying a single fire pump motor must be sized per 430.22. This means the branch-circuit conductors to a single fire pump motor must have an ampere rating of not less than 125% of the fire pump motor full-load current (FLC) — as listed in Table 430.248 or 430.250. You can run wiring from the fire pump controller to the fire pump motor only in raceway listed in 695.6(E), and you cannot use ground-fault protection for fire pumps [695.6(H)].
Overcurrent protection [695.6(D)]. Overcurrent protection devices (OCPDs) must be sized to carry the sum of the locked-rotor current of the fire pump and pressure maintenance pump motor(s) indefinitely, and 100% of the ampere rating of the fire pump's accessory equipment.
Why such big OCPDs? To protect fire pump branch-circuit and feeder conductors against short circuits — not overloads. Again, the fire pump must run no matter what — so Art. 695 expressly forbids automatic overload protection. Isn't this risky? Not really. By design, you have overload prevention built in. These circuits have a dedicated load and supply, with installation requirements that greatly minimize the chance of overload.
But wouldn't short-circuit protection shut the pump down and thus violate the "run no matter what" rule? Yes and no. A short circuit would shut down the pump anyhow. Short-circuit protection makes it possible to fix the short circuit and then run the pump.
The requirement to carry the locked-rotor currents indefinitely applies to OCPDs in the fire pump circuit(s), not to other conductors or devices.
Voltage drop [695.7]. The voltage at the line terminals of the controller, when the motor starts (locked-rotor current), must not drop more than 15% below the controller's rated voltage. Also, the voltage at the motor terminals must not drop more than 5% below the voltage rating of the motor when the motor operates at 115% of the fire pump full-load current rating.
Now it's time to test your knowledge with this problem. A 25-hp, 208V 3-phase fire pump motor is 175 feet from the service. The fire pump motor controller is 150 feet from the service. What size conductor must you install to the fire pump motor controller? Equipment terminals are rated 75°C (Fig. 1).
Rearrange the basic voltage drop formula for a 3-phase system into this new formula:
Use the following values when making your calculation.
K=12.9 ohms, copper
I=404A (locked-rotor, Table 430.251B)
D=150 feet
Plug these values into the formula and reference the appropriate NEC table to obtain your answer.
Cmil=(1.732×12.9 ohms × 404A × 150 ft) ÷ 31.2V
As per Chapter 9, Table 8 of the NEC this particular arrangement calls for a 3 AWG conductor.
Where you increase the size of ungrounded conductors, you must proportionately increase equipment-grounding (bonding) conductors (where installed) — according to the circular mil area of the ungrounded conductors [250.122(B)].
Now, for the same pump, what size conductor must you install to the fire pump motor? Remember, it's 25 feet from the controller (Fig. 2).
The operating voltage at the terminals of the motor must not drop more than 5% below the voltage rating of the motor while the motor is operating at 115% of the full-load current rating of the motor.
K=12.9 ohms, copper
I=86A (74.8A at 115%), Table 430.250
D=175 feet
Cmil=(1.732×12.9 ohms×86A×175 ft)÷10.4V
As per Chapter 9, Table 8 of the NEC, this particular arrangement calls for a 4 AWG conductor.
For voltage drop, the 4 AWG wire is okay from the controller to the motor, but 695.6(C)(2) requires the branch-circuit conductors to be sized not smaller than 3 AWG (Fig. 3).
Applying Art. 695 means you will sometimes have to "think backward." Normally, protecting conductors from overload is a key part of protecting people and property, but shutting down a fire pump during a fire is not a good idea.
A review of NFPA 20: Standard for the Installation of Stationary Fire Pumps will help you apply Art. 695. The easiest way to avoid confusion is to remember why that fire pump motor is there in the first place. When you do that, you'll ultimately remember it needs to run no matter what.


text:
Carolina Mudcats standouts Erik Gonzalez, Anthony Gallas and Ryan Merritt have been named to the Carolina League All-Star team for the annual battle with the California League.
The Carolina/California League All-Star Game will be played June 17 in Wilmington, Del.
Gonzalez, a member of the Cleveland Indians' 40-man roster, receives his first All-Star selection. He will serve in a utility infield role for the All-Star Game.
Through 41 games, the Dominican owns a .304 average with one home run and 24 RBIs. He also has five triples, the most by a Mudcat this year. The 22-year-old hit .341 in April and owns the longest hitting streak in the CL this year, a 16-gamer that spanned April 8-24. Gonzalez signed with the Indians as a free agent in 2008.
This is also the first All-Star selection for Merritt, 22. The McKinney, Texas, native owns the most wins (6) and the best ERA (1.71) among Carolina League qualifiers this year.
His 0.98 WHIP also tops CL hurlers and Merritt ranks second in the league with 68.1 innings pitched. Opposing batters are hitting just .207 against Merritt, second only to teammate Shawn Morimando (.205). His 8.82 fewest baserunners/9 IP ratio is also a league best. The Tribe originally chose Merritt in the 16th round of the 2011 draft.
Gallas earned his second All-Star selection. He made the Midwest League All-Star roster, representing Lake County, in 2011. Gallas leads the CL with 21 doubles, the fourth most in all of MiLB. The Cleveland native owns a .292 batting average and also leads the team with seven home runs.
He has plated 27 runs on the year and scored a team-high 52 runs. Gallas went undrafted despite tremendous numbers during his career with Kent State University. The Cleveland Indians signed him in 2010.
Potomac visits this week: Carolina starts its last home stretch of the first half of the season on Monday looking to create a little momentum for the second half of the season, which starts on June 19. Everybody's record gets reset at 0-0 at that point, which will be a welcome start for the Mudcats who have struggled, especially at home (11-19 through their first 30 home games) in the last five weeks.
Injuries have played a big role in the Mudcats' season. Carolina lost infielders Joe Sever (hand) and Yandy Diaz (wrist) to injuries on opening day. They continue to rehab their injuries. Pitcher Dylan Baker fractured his ankle in mid-April. Gonzalez has battled injuries as well. He missed two weeks in May with a middle finger strain.
Potomac, which visits Five County Stadium beginning Monday, is in the middle of a three-team race for the Northern Division first-half title with Lynchburg and Wilmington. Myrtle Beach has already clinched the Southern Division title.
Eye on the Nationals: Outfielder Brandon Miller was tied for second in the Carolina League in home runs through his first 36 games played. As a team, the P-Nats are second in home runs this season.
Second baseman Oscar Tejada was tied for third in the league in runs batted in with 35.


text:
Photo by Bryan Hou, via Flickr
Happy December!
Up on the High Line, the darkest month of the year is brightened by 19 species of December bloomers. Bundle up, take a walk, and try to spot these brave blossoms, from the Gansevoort Woodland's hardy and spectacular aromatic aster (Aster oblongifolius 'Raydon's Favorite'), to the Chelsea Grassland's sweet black-eyed susan (Rudbeckia subtomentosa).
View our December Bloom List (PDF)
The High Line horticulture completist can also view the full plant list (PDF)


text:
When we think of device durability, our minds immediately turn to those gruesome drop tests scattered across YouTube. The video makers hope their unscientific test will show consumers how durable a phone is by dropping it from several different heights. While the videos can be entertaining, they really don't give us a lot of information.
Fortunately, manufacturers go through a myriad of tests before a phone is released to make sure it lives up to quality standards. The choice of construction material for the Samsung Galaxy S4 may not be as high-end as that found in the HTC One, but the video below shows that you don't necessarily need a metal chassis to survive drop, impact, heat, pressure, dust and water tests.
What's your take? Would you rather have premium construction materials, which may scratch and dent more easily, or a plastic build that can stand up to the random acts of torture we subject our smartphones to on a daily basis?


text:
Forum Index
Got info?
Forum Rules
Mortgage Lender
Hedge Fund
Home Builder
IEHI sites:
Fed Gallery of Shame
Log in to check your private messages
Log in
Life since I left the Mtg business
View next topic
View previous topic
Implode-Explode Forums Forum Index
Mortgage Lender Implode-O-Meter
Goto page
Cherry Bomb
Joined: 09 Jul 2008
Posts: 158
Location: new mexico
Life since I left the Mtg business
Posted: Tue Jul 24, 2012 5:44 pm
Well it's been a long time since I've posted. Wondering how everyone has been doing in the business? Well for me when I threw in the towel in the mortgages in 2011 I took a international sales job. But in the beginning of 2012 I found a new opportunity to get back into finance but not in the US. I'm now been living in Mexico City for 3 months now being a international financial advisor. It's funny since my time down here I have come to the conclusion that here is the true land of opportunity. Down here it's pure capitalism! I'm now back to making the kind of money that I did back in 05 and 06 but a lot more
. I salute everyone who has stuck it out, dealing with Dodd-frank, new FHA guidelines, etc. I wish everyone the best. Let me know how everyone is doing!
Wrecking crew
Joined: 24 Mar 2008
Posts: 1611
Location: Hell
Re: Life since I left the Mtg business
Posted: Thu Jul 26, 2012 5:34 pm
bankrupt and jobless... you have to have a job to get a job in the land of the free home of the brave
Remember remember the fifth of November. Gunpowder, treason and plot. I see no reason why gunpowder, treason
Should ever be forgot...
Cherry Bomb
Joined: 09 Jul 2008
Posts: 158
Location: new mexico
Re: Life since I left the Mtg business
Posted: Fri Jul 27, 2012 3:13 pm
bdk wrote:
bankrupt and jobless... you have to have a job to get a job in the land of the free home of the brave
BDK why don't you relocate down here. I can get you a job with my company. I found that my years of experience in mortgages has come in handy. Let me know if you are interested.
mahalo guy
Demolition Man
Joined: 28 Jun 2008
Posts: 2082
Location: Honolulu
Re: Life since I left the Mtg business
Posted: Sun Jul 29, 2012 3:49 pm
I'm very curious about your business in Mexico.
Can you PM me?
Schumpeter Reincarnate
Joined: 13 Feb 2008
Posts: 5548
Location: cave dweller
Re: Life since I left the Mtg business
Posted: Fri Aug 10, 2012 6:09 pm
Life is good. I got out in 07 with the first wave of crashes. Everyone I sent a resume too went under. I thought it was me...............lol.................I don't make what I used too but enjoy what i'm doing. I did bump into a large company that was micromanaged and torturing their wonderful sales people but I left because life is too short for that. They were the largest security company so guess who?............they just churn and burn good people. It'll catch up with them soon enough.
No complaints here, just glad to work and be appreciated.
Miss my old implode buddies and all the cutting up we did here.
Wrecking crew
Joined: 07 Aug 2007
Posts: 1836
Re: Life since I left the Mtg business
Posted: Thu Aug 16, 2012 1:28 am
Greetings everyone; Underwriter (aka Riot Inciter) here! I still come by and check the site every so often but decided I'd post something by way of showing my continued support for this site.
I left Bank of America in 2006 and never looked back. Did the MI Contract underwriting thing for a bit, then took a long-term Investigations assignment with Genworth working from home for about 2 years. Decided that I just couldn't stomach the business any longer and am now working as a Resource Manager for a large banking consulting firm (3 years now!) and love my job. I still play a large role in the mortgage arena but just not in the firing line, as it were. I do know this: underwriting has changed so much over the past few years that I don't think I could make it in that world again. There is NO common sense in it anymore.
My partner and I moved from Houston, TX, to Connecticut last year and we absolutely love it. I am in Houston every 2-3 weeks for work so I haven't completely abandoned my Texas roots
Take care everyone!
My friends call me Underwriter, but you can call me the Riot Inciter!
Demolition Man
Joined: 13 Dec 2007
Posts: 2417
Re: Life since I left the Mtg business
Posted: Thu Aug 16, 2012 2:19 am
Logging in to show my support as well. This site was here for us when we needed it most and I will be here for it. Since I now have some memory issues I expect underwriter to remind me to log in! Lol
"Since the general civilization of mankind, I believe there are more instances of the abridgement of the freedom of the people by gradual and silent encroachments of those in power than by violent and sudden usurpations."
- James Madison - 1788
Credit Unon Guy
Joined: 03 Apr 2008
Posts: 832
Location: Camden, SC
Time sure flies!
Posted: Fri Aug 17, 2012 6:56 pm
It is nice to see some of the old icons here. I too come by every once in a while. Looking back, I am glad I made the jump to this little credit union. Since '08 I have been slogging allong and have trippled the size of the department. I will say that it is a lot easier lending your own money! With all the distrust surounding the big banks, us little credit unions re growing like mad. The future looks bright! I just hope it is not the light at the end of the tunnell!
"Just Like buttah cuz I'm onna roll!"
Guidos Ghost
Joined: 28 Aug 2012
Posts: 1
Re: Life since I left the Mtg business
Posted: Tue Aug 28, 2012 12:05 pm
I would be curious as to what you are doing as a financial advisor in Mexico City. Please email me r b c lending at gmail dot com
Joined: 09 Jan 2009
Posts: 1
Re: Life since I left the Mtg business
Posted: Fri Aug 31, 2012 8:38 pm
You have been in this same helpless situation for too, too long. You need to take a long, hard look in the mirror. I'm not trying to be heartless, but you have been hitting the same brick walls since this forum started. We were all in the same boat, but everyone else has moved on....
Display posts from previous:
All Posts
1 Day
7 Days
2 Weeks
1 Month
3 Months
6 Months
1 Year
Oldest First
Newest First
Implode-Explode Forums Forum Index
Mortgage Lender Implode-O-Meter
Goto page
Jump to:
Select a forum
General Forum Discussion
General Discussion
-- New Members
-- Idle Chatter (aka "The Romper Room")
Finance & Economic Discussion Forum
Political Debate and Discussion
Mortgage Lender Implode-O-Meter
-- Mortgage Jobs Board
-- The Mortgage Marketing Board
-- Loan Scenarios
-- Foreclosure, REO, Loan Mod's or Short Sale Talk
-- FHA Forum
Bank Implode-O-Meter
Home Builder Implode-O-Meter
Hedge Fund Implode-O-Meter
Commentary on News, Articles and Blog Posts
Mortgage & Housing
-- News Discussion
-- Company Discussion
-- FHA Blog Discussion
-- FHA News Discussion
-- Article discussion
Mandelman Blog Discussion
IEHI news discussion
Home Builders
-- HBI News Discussion
-- Home Builder Implosion / Ailing / Watch Discussion
-- Bank Blog Discussion
-- Writedown and Distress Discussion
-- Implodes Discussion
-- Bank News Discussion
Hedge Funds
-- HFI News Discussion
-- Hedge Fund Implosion / Ailing / Watch Discussion
-- HF Articles Discussion
Forum Archives
The Niche Report - Mortgage Industry Magazine
Miscellaneous Housing & Finance Discussions
-- Note and REO
-- Stock Talk
-- Economic News
-- Commodities
-- All Things Taylor, Bean & Whitaker
Appraisers' Corner - Everything Appraisal
National Valuation Service - Registrants Only Forum
Chavez Watch
Bernanke Panky / Fed Gallery of Shame
View next topic
View previous topic
post new topics in this forum
reply to topics in this forum
edit your posts in this forum
delete your posts in this forum
vote in polls in this forum
Powered by
2.0.22-2 (Debian) © 2001, 2002 phpBB Group ::
FI Theme
:: All times are GMT


text:
quote:Originally posted by outlnder:
We just took 5th place.
How much of a buffer will we need?
4th place is not far off (less than two weeks)....
The NekdDrgn train will be here till 1 million, at least.
4th place is not far off (less than two weeks)....
The NekdDrgn train will be here till 1 million, at least.
Congrats on 5th!
What about 4th + 1M?
What about first place?
I'm thinking I might be able to write this up over the weekend and get it out as a "Challenge of the Month" for September. We gave everyone August off. If there are a few onboard, then I am down with it.
The personal catch is that I will be gone a lot of the month so my contributions will not be at 100% (regardless of what I work on).
I'd say going for higher than 4th in this one is a case of diminishing returns. It would take a LOT of power that could gain us more elsewhere IMO.
More where? I did my analysis of the Bio/Med category, which is where our current thrust is, and this is one of the better pickings according to my analysis.
The NekdDrgn train will be there for the push after SIMAP.
ARS is currently 3rd
#1 Phoenix Rising (42)
#2 Planet 3DNow! (263)
#3 ARS Technica (58)
#4 Canada (72)
#5 PC Perspective Killer Frogs (26) (lmao, froglegs)
I would say hit this like Genetic Life after SIMAP is through for September.
We took 4th today.... congrats guys!
Bump time, still in 4th. A few teams a gaining on us and ESL is closing fast.
We were passed by ESL today to bump us down to 5th. Unless we increase production quite a bit we'll be in 7th within 2 weeks. At that point we'll be flirting with losing 2nd place in the Vault Bio Category. I just moved what I could here but it'll take a lot more. The project changed to fixed credits a while ago and they're quite good, so grab some WUs and crunch crunch crunch (kinda sounds like a cereal advertisement)
I will switch over, but my Primegrid LLRs will take awhile to finish.
I'll move too, but it'll take some time to clear out the existing cache.
How good is scoring compared to Enigma? I'm always late for the party, but I am happy to switch if the scoring is better.
Higher than enigma but as usual it's the same for everyone, especially since it's server assigned credit
The client uses very little ram and is well behaved, so it should work well on most machines.
Okay, I dropped Enigma and have most clients onboard. Once I hit 500k in PrimeGrid, those two 64-bit machines will be onboard as well. (Not sure if there is a 64-bit advantage in this project.)
Wow, that was fast. Back to 4th! Never underestimate the power of a pair of steamrollers
My apologies for slacking off. I'm trying to run both this and Leiden, but it seems I get nearly 100% of one or the other regardless of the work priority I set. Another good day of Leiden and I'll go 100% on Docking.
I don't think that gaining us places in both Docking & Leiden needs to be apologized for
Yeah, geez! Stop that!
I love it when I crush a TN cruncher. Take that Roald.
My pair of 64-bit OS based quads are coming over now. I am now 100% assimilated.
Since the new WU types arrived yesterday afternoon, the credits/WU have dropped from around 128 to 115.5. At the same time the time/WU has increased by an average of 90%. The bottom line is that the new WUs are resulting in about 1/2 the credits/hour of the previous ones. I'm going elsewhere until things get sorted out, no sense wasting 50% CPU time.
Whiz, considering Beyond's statement above, any problems with me moving to Leiden??
Works for me. It's nearly your shift anyway
I think it was sorted before you posted. My total each day has gone up during the period, as well as on the 9th and 10th.
Jan 11 Jan 10 Jan 9 Jan 8 Jan 7 Jan 6 Jan 5
Note: Some time on the 9th I added two 64-bit quads to the mix. That will account for the increase. However, I don't see a drop-off on the 8th that I should and even two 64-bit quads shouldn't make up nearly 50% plus add a couple k per day.
I'm also concerned that if everyone drops this, that leaves us with a <30 day overtake from behind. Not that we couldn't switch quickly and take that torch back up, mind you. I just don't want to blow it so quickly.
I'll be 100% on once my current Leiden queue runs out.
The way to analyze this is as I did above. Total points/day can vary for many reasons. In your case it's because your queues are so large that you haven't yet gotten to the lower scoring WUs:
What HAS now happened is that due to user feedback, the credit on most of the longer WUs has now been increased to 200. There are still some giving out 115.5 points though. I would suggest that when you hit the 115.5 point WUs in the queue, you may want to dump your queues and refill with the same length 200 point ones. The points/hour will be nearly (but not quite) what they were before.
To be safe, I dumped and reloaded all my home machines. I'm offsite until Friday and am not sure when I can get onto my worker bees to reset them. They may just have to chug through them.
I'm going to run this to 2.5 million, so another 600K or so. Should be a reasonable buffer.
Threat assessment has changed. ESL has dropped almost completely off (~45 day overtake if we completely stop). However, L'AF is overtaking them and has a ~30 day overtake (again, if we stop cold).
With the points dropping off, I can see why many teams have cut their production. We should watch this (closely) for the points to shoot back up, so we can build our lead further. I am going to hop off at 500k then I will hop back on to 1 million once the points are restored.
Hello Team Ars Technica,
I want to invite you Guys to the Charity-Crunching at Docking@home, that will start this Sunday, January 17th, and will last 2 Weeks until January 30th. Every spare Core is welcome. All Participants need to switch over to the Charity-Team for this period of time (and Yes, your personal Credits will be yours, just the Team Credits will be added to the Charity-Team Credits.)
The Team was created yesterday but more than 170 Members from different BOINC-Teams already joined. I hope some of you will be with us. Those who took part last Year at POEM surely remember the good time we had together every one encouraging the other to get faster and faster. Let's have some fun again with good spirit and many Credtis together without any Team Fights or Races.
The Project Leader of Docking@home, Michaela Taufer was informed via Mail be me yesterday. I told here about the Charity-Team, our Goal and the period of time. I hope the Docking-Servers will withstand our combined Power
Why would I want to crunch for your team instead of ARS? Why don't you guys join ARS and crunch for us?
The Charity-Team doesn't "belong" to me nor does it belong to anyone. After the Charity-Crunching we will all leave this Team again and switch back to our Home-Teams.
We just want to demonstrate that the BOINC Community can work together instead of against each other.
You can compare that with the SETI@home Gauntlets, maybe you know about them. the only Difference is, we're working together to ramp up as much Credits as possible in only 2 Weeks.
I don't see how we're working against each other. We're all crunching for science. There's certainly nothing wrong with friendly competition.
All the work is toward the same goal, whether we're on the same team or not. And the credit has exactly nothing to do with the science.
I fail to see what the purpose is
To the Ars team: I've reached 2.5 mil on this, we're looking good as far as challenges, so I'm off to something else...
Why, I fail to see, I don't see...
I see that there is near to no Interest to join the Charity-Team. No Problem, I was just asking and won't bother you again. Sorry for disturbing.
But maybe you can fix an Issue on one of your Teams Website. One of my Teammates wanted to visit the Website linked in your BOINCstats Profile, http://www.arsfoodcourt.com/, but he got a Trojan Warning. Maybe you can inform your Site-Admins to get this fixed.
Ars Food Court was taken down and is not maintained. I dunno why you are getting that warning, though.
NFS! TN is about to overtake us.
I'm on it.


text:
How to Teach with Direct Measurement Videos
For an introduction to the techniques used when analyzing Direct Measurement Video questions, see the example activity Introduction to Using Direct Measurement Video: Determine the speed of a Roller Coaster
Direct Measurement Videos are intended to be used when teaching introductory physics mechanics at the high school or college level. There are several ways these videos can be used.
1. As a replacement for word problemsInstructors can present a video to students and ask them to solve a particular problem. For example, an instructor can give students the video shown at right, which shows a metal cylinder sliding to rest on a lab table and ask them to determine the increase in thermal energy of the table an metal cylinder. For this video, students measure the distance from the zero cm mark to the stopping point, the time interval. They use the fact that the object comes to rest (vf = 0). Assuming that the acceleration is constant, they can use these values to find the acceleration and initial velocity. Finally, they'd calculate the kinetic energy of the cylinder at the zero cm mark. Since they cylinder stops, all the kinetic energy is converted to thermal energy. This type of lesson can be structured as a group activity during class, or as homework. The instructor can provide scaffolding, for example, by having a discussion about the physics concepts they'll need to solve the problem, or to remind them about how to use the frame-counter to measure time intervals. An example of a lesson of this type is Using Direct Measurement Video to find the acceleration of a rocket-powered cart
2. As a way to verify a physics conceptInstructors can present a video and ask students to show how the data in the video can be used to demonstrate a physics concept. For example, the video at right shows a blow-dart colliding with a foam block attached to a low-friction cart. Students can measure the linear momentum of the blow-dart before the collision, and compare it with the momentum of the dart and cart after the collision. Students can be asked to determine whether and why linear momentum is conserved in this situation. An example of an activity using this approach is Direct Measurement Video Analysis - Blow-Dart Collides With Cart
Students can also practice making measurements that include uncertainty. In this case, they can also use rules for uncertainty propagation when doing calculations. This is especially useful when comparing quantities to check for conservation. In the example of the blow-dart and cart, momentum is conserved, within the margin of certainty.


text:
Bridesmaids star Maya Rudolph is pregnant with her fourth child, according to reports.
The actress is expecting another baby with her longtime partner, writer/director Paul Thomas Anderson, according to The Hollywood Reporter.
Rudolph and Anderson are already parents to daughters Pearl, seven, and Lucille, three, and son Jack, 19 months.
A representative for the comedienne had yet to comment on the news as WENN went to press.


text:
SOURCE: Equity News Circuit
February 04, 2013 08:15 ET
Note to Editors: The Following Is an Investment Opinion Being Issued by the Equity News Circuit
Note to Editors: The Following Is an Investment Opinion Being Issued by the Equity News Circuit
NEW YORK, NY--(Marketwire - Feb 4, 2013) - The Bedford Report has released new equity reports today. As a leading provider of free in depth reports and timely market updates, Bedford is an essential resource for hundreds of thousands of investors across the country.
Abaxis Inc. (NASDAQ: ABAX) shares hit a new 52-week high of $44.98 after gaining 14.4 percent on nearly seven-times the average daily volume Friday. The company reported revenues of $49.8 million in the third quarter of fiscal 2013, a 32 percent increase when compared to the year ago quarter.
Find out more about Abaxis including full access to the free equity report at: www.BedfordReport.com/ABAX
Build-A-Bear Workshop, Inc. (NYSE: BBW) shares surged 23 percent on over eight-times the average daily volume Friday. The company reported same store sales are expected to decline 1.7 percent in the fourth quarter, a significant improvement over the 11.1 percent decline posted in the third quarter.
Find out more about Build-A-Bear Workshop including full access to the free equity report at: www.BedfordReport.com/BBW
Echo Therapeutics Inc. (NASDAQ: ECTE) shares fell 28.5 percent on over 7.8 million shares traded Friday. The company announced that the offering of 13,333,333 shares of its common stock was priced at $0.75 per share, a discount of 35 percent when compared to the prior days' close.
Find out more about Echo Therapeutics including full access to the free equity report at: www.BedfordReport.com/ECTE
PMC-Sierra, Inc. (NASDAQ: PMCS) shares surged 13 percent on over 8 million shares traded Friday, which was more than four-times the average daily volume. The company reported a gross margin of 71.7 percent for the fourth quarter, an increase of 260 basis points when compared to a year ago.
Find out more about PMC-Sierra including full access to the free equity report at: www.BedfordReport.com/PMCS
Disclaimer: Information, opinions and analysis contained herein are based on sources believed to be reliable, but no representation, expressed or implied, is made as to its accuracy, completeness or correctness. The opinions contained herein reflect our current judgment and are subject to change without notice. We accept no liability for any losses arising from an investor's reliance on or use of this report. This report is for information purposes only, and is neither a solicitation to buy nor an offer to sell securities. Certain information included herein is forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995, including, but not limited to, statements concerning manufacturing, marketing, growth, and expansion. Such forward-looking information involves important risks and uncertainties that could affect actual results and cause them to differ materially from expectations expressed herein.
A third party, Providence Media Strategies LLC has paid Equity News Circuit five hundred dollars for the publication of this news release. Neither Equity News Circuit, nor the hiring party, has a financial relationship with any company whose stock is mentioned in this release. Neither Equity News Circuit nor the hiring party are a registered investment advisor, and nothing in this report is intended as a solicitation to buy or sell any security.
Contact Information:
Equity News CircuitEmail Contact
Contact Information:
Equity News CircuitEmail Contact
See all RSS Newsfeeds


text:
New to Juventus and calcio? Ask all kinds of questions here for the experts to answer. Also the place for Juve history.
Sticky Threads
Normal Threads
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
Note: when sorting by date, 'descending order' will show the newest results first.
Forum Rules


text:
Be the first to know about upcoming seminars, free events and the latest health news from Alaska Regional. Follow us on Twitter, like us on Facebook and visit us here at alaskaregional.com.
Facebook: Alaska Regional Hospital
Blog: www.blog.alaskaregional.com
Not on Facebook or Twitter? Contact Audry at firstname.lastname@example.com to get your name on the Alaska Regional Hospital email list. We'll keep you informed about community events offered by the hospital.


text:
Organic Materials Management
Compost and Mulch
Composting, nature's own way of recycling, is the controlled decomposition of organic material such as leaves, twigs, grass clippings, and food scraps.
Compost is the soil amendment product that results from aerobic composting. Whether it's done on site, at the point of waste generation or in a large-scale, centralized facility, composting helps to keep the high volume of organic material out of landfills and turns it into a product that is useful for soil restoration.
Small-scale on-site composting reduces the cost of hauling materials to the landfill and is generally exempted from solid waste regulations. Consult current composting regulations and contact your Local Enforcement Agency for guidance on any local permit requirements prior to beginning a compost project.
Large-scale compost facilities handle more material and typically produce a more consistent compost product, and they are required to comply with regulatory and permitting standards.
Mulch is the soil covering used to control weeds or erosion, retain moisture in soil, and insulate soil from cold weather. Organic materials commonly used for mulch include wood chips, ground up landscape trimmings, shredded bark, coarse compost material, straw, and shredded paper.
- Benefits of Using Compost and Mulch
- Homeowner Resources
- Producers of Compost and Mulch
- Government Agencies: Procurement
- Compost Demonstration Projects
- Compost Use in Agriculture
- Additional Resources
Homeowner Resources
- Compost Pile Microbes
- Compost Tea
- Compost and Mulch - How are they different?
- Food Scraps Management
- Grasscycling
- Home Composting
- Landscaper's Guide
- Vermicomposting
- Xeriscaping
Producers of Compost and Mulch
- Air Emissions Reduction from Composting and Related Facilities
- Compost and Mulch Producers
- Facility Operation Resources
- Infrastructure Surveys
- Marketing
- Permits and Regulations
- Water Cross Media Coordination For Compost Use and Production
Government Agencies: Procurement
Compost Demonstration Projects
Additional Resources
- Biosolids
- CalRecycle Compost/Yard Trimmings Publications
- CalRecycle's Food Scraps Management Home Page
- Pests/Threats Which Affect Green Material Movement in California
- U.S.EPA Composting Publications
- Wood Waste
Organic Materials Management https://www.calrecycle.ca.gov/Organics/
Contacts: https://www.calrecycle.ca.gov/Organics/Contacts


text:
Well, it's not the 15 years, three-thousand-million dollars that Marco Scutaro asked for after the championship parade. But it's a heck of a deal nonetheless for a player who turned 37 two days after the postseason and has made a total of $22 million up to this point of his career.
After a strong second half and a stunning postseason, Scutaro signed a three-year, $20 million deal on Tuesday night. You can find the details in my updated winter meetings story. For now, since it's kinda late over here, a few scattered thoughts:
— The Giants had three priorities as they entered the offseason: Jeremy Affeldt, Angel Pagan, Marco Scutaro.
Affeldt quickly got $18 million over three years. Pagan got $40 million over four years as soon as they came to the winter meetings. Scutaro just got $20 million over three years. Yes, that's $78 million doled out to three veteran players, but the Giants really, really wanted to get the team back together, and they have.
Will it work? We'll see. But you can't blame the Giants for wanting to reunite the group that caught fire in August, and ultimately, that money might not look so large when all the wheeling and dealing is done this offseason. (On that note, it's amazing how many teams here are scrambling to make their opening moves while the Giants pretty much just completed their roster.)
— What's next? The Giants want a right-handed bat to complement Gregor Blanco in left field, although we'll have to see how much money they feel they have left after this deal. Larry Baer wouldn't reveal an exact target figure, but said the franchise is expecting to sail into the $140 million-range.
The Giants now have the freedom to sit back and cherry-pick a veteran bat or two, maybe find a guy seeking a title, or one who sees an opportunity for playing time in San Francisco. Don't expect a Nick Swisher type; the $78 million bill mentioned above should rule out the upper classes of the market.
The Giants have talked about bringing Ryan Theriot back, along with his strange hat collection. Theriot handled his August demotion with class, and at this stage of his career, a role as a utility infielder on a contending team is surely one of his better options. The Giants still could use a few extra arms in the bullpen, and will monitor Brian Wilson's journey into free agency.
Soon, real soon, the focus will turn back to the MVP. The Giants have expressed a desire to sign Buster Posey to a long-term deal and it makes sense for Posey, too, given how quickly he nearly had his career taken away from him not too long ago.
— Aside from the money factor, the Giants don't necessarily have to worry about the potential of Scutaro and Pagan aging quickly as their contracts play out. Their two best position player prospects are a center fielder (Gary Brown) and a middle infielder (Joe Panik), so there's a level of coverage there.
— Looking forward to counting Scutaro's swings-and-misses for a full season.
— Does this look familiar:
Pagan CF
Scutaro 2B
Sandoval 3B
Posey C
Pence RF
Belt 1B
Blanco LF
Crawford SS
There's your most common lineup from the run to a World Series title, and all of those guys are under team control. Everyone but Pence is under team control through the 2014 season. The Giants will eventually have to start worrying about their pitching staff again, and depending on what happens with Tim Lincecum and Barry Zito after this next season, they could need multiple starters. But that's an issue for another offseason.
For now, the lineup is set. You can add a right-handed outfield bat, maybe swap Crawford and Blanco, or Belt and somebody. But the players are there. Now it's up to Bochy to put them back in an order he likes, and for the players to execute. The front office got the band back together. The rest is up to the guys on the field.


text:
By Jerrell Richardson
San Francisco's recent return to relevancy has been due to their defense. They have had contributions from the offense and especially special teams, but it's no secret that the defense has led the way. The recognition, though, has been primarily for the guys up front, and until now rightfully so. Last year the team did not allow a rusher to reach the end zone until their 14th game; they were as dominant as any team in history against the run. The team's leader is linebacker Patrick Willis, and up front are the Smith's, Aldon and Justin, and a plethora of big name players, so it's hard for the secondary to get any attention. However, it's the pass defense that has elevated its play, so they should be given a ton of credit, as not only have they compiled league leader numbers (allowing 173.4 through the air), but they have done it against some of the NFL's best. So who are these guys?
Carlos Rogers (Cornerback)
The defensive back who gets the most attention is Carlos Rogers. He was acquired through free agency in 2011 and brought with him a reputation for not making the big play, despite being in a position to do so. He landed in San Francisco with a splash, quickly silencing his naysayers and earning a trip to the Pro Bowl. He has dropped a few interceptions this year that would have changed the momentum of those games, but he plays defense for a reason, so he can't be criticized too harshly for not having great hands.
Donte Whitner (Strong Safety)
Fans get a glimpse in the past when watching Whitner fly around the field. Like Rogers, he was added to the team in 2011 through free agency and has brought a physical presence to the secondary that reminds fans of the Ronnie Lot era. Whitner gave his best Lott impression in last year's divisional playoff game against the Saints, dislodging the ball from running back Pierre Thomas, knocking Thomas from the game, firing up the crowd and showing that ball carriers must be mindful when coming across the middle. Whitner is a ball hawk who adds the occasional interception, can force a fumble and is stout in run support.
Dashon Goldson (Free Safety)
The 49ers drafted Dashon Goldson in 2007 and immediately made room for him in the starting lineup. He has worked hard to improve at his position and in 2011 earned a Pro Bowl selection. He also doesn't mind contact, and his eight interceptions since the start of last year make him the most complete safety in the game today.
Tarell Brown (Cornerback)
The 49ers found a winning formula in 2007 as they also selected Tarell Brown that year. Unlike Goldson, he did not crack the starting lineup until 2011, but he started all 16 games last year and proved worthy of the job. He was injured in the team's loss against the Giants in the NFC Championship Game and he may have made a difference if he had been on the field.
The Teams Behind the Numbers
What is so impressive about this group is that they have shut down the others team's passing game (for the most part), all while facing the Packers, Lions and Giants, who are three of the toughest teams to stop through the air. This group is fast, physical, talented and should be given just as much credit as the rush defense for the team's success. As the league is slowly trending to more pass dominant teams, it bodes well for the 49ers that they have the personnel to not only hold their own, but to do better (statistically) then any other team.
For more Local Football Bloggers and the latest 49ers news, see CBS Sports Sacramento.
Jerrell Richardson is a Bay Area native who due to a college career at San Diego State University has grown an appreciation for all things sports related in California. His heart will always remain in San Francisco though where he currently resides and covers everything from the San Francisco 49ers and Giants to the San Jose Sharks and California Bears Baseball team. His work can be found on Examiner.com.


text:
(Gift Box is Available for Purchase during Check Out)
Bird Jewelry: Vintage Bronze Tone Cute Penguins Drawing Glass Cabochon Pendant Necklace
(Please watch below product video for more!)
Designed for lovely bird themed jewelry lovers like YOU. This penguins drawing glass cabochon pendant necklace is inspired by mother nature with antique bronze tone in chain. The bird themed necklace comes with a glass cabochon pendant with cute Mr. Penguin sending lovely jellyfish to Mrs Penguin as a gift in a romantic night, together with antique bronze tone chain and basic gift bag wrapping (you can upgrade to a gift box with little extra cost during check out to make it a more decent gift for her / him).
Come and check out this bird themed pendant necklace! This is 100% quality assured and you can hardly find it elsewhere. Definitely value-for-money jewelry and high quality budget gift for your loved ones and yourself!
Love Birdy Accessories (LBA)
We carefully source the best jewelry inspired by different themes (animal jewelry / plant jewelry etc) from all over the World. Every piece of jewelry delivering to YOU is 100% hand-picked. Hope YOU can enjoy the highest quality!
We are a social responsible business and our mission is to re-establish true value of a business to the society. Please spend a little bit time to read our "SUCCESS" model. Buy it now and we guarantee at least 30% of our profit will be contributed to the society (employee, poverty and church).
Item Details
Material: Copper, Glass Cabochon
Color: Antique Bronze Color, as Shown in Pictures
Pendant Size: 36 x 50 x 2.5mm (approx)
Length: 420mm (16.5") (approx)
Style: Pendant Chain Necklace
NOTE: Photographs are used only as a general indication of each item. Color may vary slightly due to different calibration of individual monitor. Please refer to the detailed description.
|1 mm
|0.0393 inch (approx)
|1 inch
|25.4 mm (approx)
|0.0022 lb (approx)
|1 lb
|453.6 g (approx)
Payment Policy
We believe PAYPAL is the safest and easiest way to pay for your order. PAYPAL allows you to use credit card as your payment method even WITHOUT PAYPAL account.
If you would like to use another payment method, please leave us a message! We will try whatever we can do to make you happy!
Return Policy
You may return items within 60 days of purchase for exchange or full refund (item must be in original condition). We'll also pay the return shipping costs if the return is a result of our error (you received an incorrect or defective item, etc.).
You should expect to receive your refund within four weeks of giving your package to the return shipper, however, in many cases you will receive a refund more quickly. This time period includes the transit time for us to receive your return from the shipper, the time it takes us to process your return once we receive it (3 to 5 business days), and the time it takes your bank to process our refund request (5 to 10 business days).
We offer FREE International Shipping via Hong Kong Post Non-registered Air Mail (Registered Air Mail is Available Upon Request)
If you would like to use other shipping method, please leave us a message! Again, we will try whatever we can do to make you happy!
Hong Kong Post Delivery Standard
|Shipping Destination
|Estimated Shipping Time
|6 - 17 business days
|Australia, United Kingdom
|6 - 8 business days
|7 - 12 business days
|6 - 7 business days
|4 - 15 business days
Please visit Hong Kong Post's website for details or estimated shipping time for other destinations.
NOTE: Import duties, taxes and customs fee are not included in the item price or shipping charges. These charges are the buyer's responsibility. Please check with your country's customs office to determine what these additional costs will be prior to order.
Our mission is to re-establish true value of a business to the society. We promote social responsibility by showing to other businesses that we still can grow big even contributing 30% of our profit back to the society. If you are satisfied with our service, please, support us to make it "Mission Possible".
We Guarantee
At least 10% of profit goes to staff in monetary form
At least 10% of profit goes to needy people
At least 10% of profit goes to church
100% satisfaction - Exchange / Full Refund if you are not satisfied


text:
Telenor wants 50 per cent cut in Mumbai licence fee
Norway's Telenor is unlikely to bid in an auction for mobile licenses in Mumbai unless India halves the fee, its Chief Executive Jon Fredrik Baksaas said.
"It is nearly impossible to participate in the Mumbai auction at the current price level," the CEO of India's sixth largest telecoms operator said.
India is looking to reduce some prices for a new auction to be held by March after an overpriced sale in November failed, having attracted no bids for four areas, including New Delhi and Mumbai.
Telenor, which aims to have 55 million customers in India by 2016, has asked authorities to cut the licence fee by 50 per cent, more than the 30 per cent cut proposed by a panel of Indian ministers, Baksaas told Reuters after meeting with Indian officials in Davos.
"We expect the upcoming auction to be sub-optimal if the current price level is maintained - it will be comparable to the November auction, with limited participation," Baksaas said after the meeting which also included India's Union Commerce and Industry Minister Anand Sharma.
India is auctioning licenses after a court ordered the government to cancel 122 licenses granted in a corruption-tainted auction.
Telenor responded by downsizing its operations to six areas of the country from an initial 13, saying it would rather leave certain markets than overpay.
Telenor is now maintaining its Mumbai operations but made it clear it is ready to shut down as it is not willing to lift its self-imposed funding cap of 155 billion rupees ($2.89 billion)for its loss-making Indian operations.
"If the funding cap stays, they must get both the reduction plus a 2 billion rupee refund on their original license," Espen Torgersen, an equity analyst at brokerage Carnegie said.
"It is encouraging that Telenor is actively working to influence the government," "There is little political prestige in trying to sell licenses again and not getting offers."